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*PLEASE NOTE: Past performance is no guarantee of future results. All investments carry a certain degree of risk and there is no assurance that an investment will provide positive performance over any time period. No investment strategy, including diversification, asset allocation and re-balancing, can guarantee a profit or protect against loss. The opinions expressed herein are for informational purposes only as of the date of writing and may change at any time based on market or other conditions and may not come to pass. These views are not intended to be relied upon as investment advice or recommendations, do not constitute a solicitation to buy or sell securities and should not be considered specific legal, investment or tax advice. As with all matters of a tax or legal nature, you should consult with your tax or legal counsel for advice.